Chime Financial, Inc. Financials
Chime Financial, Inc. (CHYM) reported $2.2B in revenue for fiscal year 2025, up 30.7% from the prior fiscal year. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 3 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).
Revenue scaled through a high-margin, low-capital model, but FY2025's accounting loss came from expense load more than cash strain.
FY2025's$1.01B net loss sits beside positive operating cash flow of$52.8M and a still-strong88.0% gross margin, so the income-statement damage did not come with an equivalent collapse in cash generation. Compared with FY2024, that means the business's pressure point moved away from gross economics and toward how much operating expense was carried below gross profit.
Balance-sheet posture changed sharply: equity flipped from
Capital intensity stayed unusually light, with capex of just
Financial Health Signals
Scored against operating companies for FY2025. Each of the six dimensions is a percentile rank within that peer group; the overall is their average, with missing dimensions counted as zero out of six. A high score means strong standing among peers, not absolute cross-industry strength. How this score is calculated →
Health score ≠ stock price. This rates the quality of Chime Financial, Inc.'s business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.
Chime Financial, Inc. has an operating margin of -47.6%, meaning the company loses $48 on every $100 of revenue. This results in a profitability score of 23/100. This is down from -3.7% the prior year.
Chime Financial, Inc.'s revenue surged 30.7% year-over-year to $2.2B, reflecting rapid business expansion. This strong growth earns a score of 90/100.
Chime Financial, Inc. has a moderate D/E ratio of 0.40. This balance of debt and equity financing earns a leverage score of 64/100.
With a current ratio of 4.53, Chime Financial, Inc. holds $4.53 in current assets for every $1 of short-term obligations. This comfortable liquidity earns a score of 88/100.
Chime Financial, Inc.'s free cash flow margin of 1.5% results in a low score of 27/100. Capital expenditures of $19.9M absorb a large share of operating cash flow.
Chime Financial, Inc. posts a -72.1% return on equity (ROE), meaning it loses $72 for every $100 of shareholders' equity. This results in a returns score of 18/100.
Chime Financial, Inc. scores 10.69, well above the 2.99 safe threshold. The score is driven primarily by a large market capitalization ($12.1B) relative to total liabilities ($562.9M). This indicates low bankruptcy risk based on profitability, leverage, and asset efficiency.
Distress-screening estimate for non-financial companies. Not computed for banks or insurers, where the Altman model does not apply.
Chime Financial, Inc. passes 4 of 7 computable financial strength tests (2 of the nine could not be computed from available data). 2 of 4 profitability signals pass, all 1 leverage/liquidity signals pass, 1 of 2 efficiency signals pass.
Chime Financial, Inc. reported a net loss of $1.0B while generating $52.8M in operating cash flow. Operations generated cash despite the loss, but with no positive earnings behind it, the ratio between the two carries no quality signal.
Key Financial Metrics
Earnings & Revenue
Chime Financial, Inc. generated $2.2B in revenue in fiscal year 2025. This represents an increase of 30.7% from the prior year.
Chime Financial, Inc.'s EBITDA was -$1.0B in fiscal year 2025, measuring earnings before interest, taxes, depreciation, and amortization. This represents a decrease of 2642.3% from the prior year.
Chime Financial, Inc. reported -$1.0B in net income in fiscal year 2025. This represents a decrease of 3885.2% from the prior year.
Chime Financial, Inc. earned -$4.27 per diluted share (EPS) in fiscal year 2025.
Cash & Balance Sheet
Chime Financial, Inc. generated $32.9M in free cash flow in fiscal year 2025, representing cash available after capex. This represents a decrease of 44.6% from the prior year.
Chime Financial, Inc. held $466.3M in cash as of fiscal year 2025; long-term debt is not reported for that period.
Not reported for fiscal year 2025.
Margins & Returns
Chime Financial, Inc.'s gross margin was 88.0% in fiscal year 2025, indicating the percentage of revenue retained after direct costs. This is up 0.4 percentage points from the prior year.
Chime Financial, Inc.'s operating margin was -47.6% in fiscal year 2025, reflecting core business profitability. This is down 43.8 percentage points from the prior year.
Chime Financial, Inc.'s net profit margin was -46.2% in fiscal year 2025, showing the share of revenue converted to profit. This is down 44.7 percentage points from the prior year.
Chime Financial, Inc.'s ROE was -72.1% in fiscal year 2025, measuring profit generated per dollar of shareholder equity.
Capital Allocation
Chime Financial, Inc. invested $934.9M in research and development in fiscal year 2025. This represents an increase of 202.0% from the prior year.
Chime Financial, Inc. spent $77.5M on share buybacks in fiscal year 2025, returning capital to shareholders by reducing shares outstanding. This represents an increase of 8061.9% from the prior year.
Chime Financial, Inc. invested $19.9M in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents an increase of 313.3% from the prior year.
CHYM Income Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.
| Metric | TTM | FY25 | FY24 | FY23 |
|---|---|---|---|---|
| Revenue | $2.5B | $2.2B+30.7% | $1.7B+30.9% | $1.3B |
| Cost of Revenue | $277.5M | $263.0M+26.8% | $207.5M-5.6% | $219.7M |
| Gross Profit | $2.2B | $1.9B+31.2% | $1.5B+38.4% | $1.1B |
| R&D Expenses | $457.2M | $934.9M+202.0% | $309.6M+19.5% | $259.0M |
| SG&A Expenses | $335.9M | $512.1M+189.0% | $177.2M+14.4% | $154.9M |
| Operating Income | -$51.0M | -$1.0B-1572.0% | -$62.2M+73.6% | -$235.8M |
| Income Tax | $994K | $831K-68.2% | $2.6M+1015.4% | $234K |
| Net Income | -$18.3M | -$1.0B-3885.2% | -$25.3M+87.5% | -$203.2M |
| EPS (Diluted) | — | -$4.27 | -$0.39+87.9% | -$3.22 |
Not reported in any period shown, so not listed: Interest Expense.
TTM is the trailing twelve months, Q3 FY2025 through Q2 FY2026, summed from the four most recent quarterly filings. A row marked — cannot be summed at all, because a quarter in the window reports no per-share figure; a row marked N/A could be summed, but a quarter in the window does not report that metric.
CHYM Balance Sheet
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.
| Metric | FY25 | FY24 | FY23 |
|---|---|---|---|
| Total Assets | $2.0B+34.5% | $1.5B | N/A |
| Current Assets | $1.8B+36.4% | $1.3B | N/A |
| Cash & Equivalents | $466.3M+38.1% | $337.7M+40.9% | $239.7M |
| Accounts Receivable | $257.9M+19.3% | $216.2M | N/A |
| Goodwill | $27.5M0.0% | $27.5M | N/A |
| Total Liabilities | $562.9M-83.4% | $3.4B | N/A |
| Current Liabilities | $387.9M+3.5% | $374.8M | N/A |
| Total Equity | $1.4B+172.6% | -$1.9B+1.2% | -$2.0B |
| Retained Earnings | -$3.4B-42.7% | -$2.4B | N/A |
Not reported in any period shown, so not listed: Inventory, Long-Term Debt.
CHYM Cash Flow Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.
| Metric | TTM | FY25 | FY24 | FY23 |
|---|---|---|---|---|
| Operating Cash Flow | $345.0M | $52.8M-17.7% | $64.1M+141.0% | -$156.6M |
| Capital Expenditures | $32.8M | $19.9M+313.3% | $4.8M-54.2% | $10.5M |
| Free Cash Flow | $312.2M | $32.9M-44.6% | $59.3M+135.5% | -$167.1M |
| Investing Cash Flow | -$383.4M | -$289.7M-734.5% | $45.7M-72.7% | $167.0M |
| Financing Cash Flow | -$242.3M | $367.7M+80528.9% | $456K-45.8% | $842K |
| Share Buybacks | $299.6M | $77.5M+8061.9% | $950K+1457.4% | $61K |
Not reported in any period shown, so not listed: Dividends Paid.
TTM is the trailing twelve months, Q3 FY2025 through Q2 FY2026, summed from the four most recent quarterly filings. A row marked — cannot be summed at all, because a quarter in the window reports no per-share figure; a row marked N/A could be summed, but a quarter in the window does not report that metric.
CHYM Financial Ratios
Margins and returns are percentages; the remaining ratios are unitless multiples.
| Metric | FY25 | FY24 | FY23 |
|---|---|---|---|
| Gross Margin | 88.0%+0.4pp | 87.6%+4.8pp | 82.8% |
| Operating Margin | -47.6%-43.8pp | -3.7%+14.7pp | -18.4% |
| Net Margin | -46.2%-44.7pp | -1.5%+14.4pp | -15.9% |
| Return on Equity | -72.1% | N/A | N/A |
| Return on Assets | -51.4%-49.7pp | -1.7% | N/A |
| Current Ratio | 4.53+1.1x | 3.43 | N/A |
| Debt-to-Equity | 0.40 | N/A | N/A |
| FCF Margin | 1.5%-2.0pp | 3.5%+16.6pp | -13.1% |
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Where Chime Financial, Inc. Ranks
Frequently Asked Questions
What is Chime Financial, Inc.'s annual revenue?
Chime Financial, Inc. (CHYM) reported $2.2B in total revenue for fiscal year 2025. This represents a 30.7% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.
How fast is Chime Financial, Inc.'s revenue growing?
Chime Financial, Inc. (CHYM) revenue grew by 30.7% year-over-year, from $1.7B to $2.2B in fiscal year 2025.
Is Chime Financial, Inc. profitable?
No, Chime Financial, Inc. (CHYM) reported a net income of -$1.0B in fiscal year 2025, with a net profit margin of -46.2%.
What is Chime Financial, Inc.'s EBITDA?
Chime Financial, Inc. (CHYM) had EBITDA of -$1.0B in fiscal year 2025, measuring earnings before interest, taxes, depreciation, and amortization.
What is Chime Financial, Inc.'s gross margin?
Chime Financial, Inc. (CHYM) had a gross margin of 88.0% in fiscal year 2025, indicating the percentage of revenue retained after direct costs of goods sold.
What is Chime Financial, Inc.'s operating margin?
Chime Financial, Inc. (CHYM) had an operating margin of -47.6% in fiscal year 2025, reflecting the profitability of core business operations before interest and taxes.
What is Chime Financial, Inc.'s net profit margin?
Chime Financial, Inc. (CHYM) had a net profit margin of -46.2% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.
What is Chime Financial, Inc.'s return on equity (ROE)?
Chime Financial, Inc. (CHYM) has a return on equity of -72.1% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.
What is Chime Financial, Inc.'s free cash flow?
Chime Financial, Inc. (CHYM) generated $32.9M in free cash flow during fiscal year 2025. This represents a -44.6% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.
What is Chime Financial, Inc.'s operating cash flow?
Chime Financial, Inc. (CHYM) generated $52.8M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.
What are Chime Financial, Inc.'s total assets?
Chime Financial, Inc. (CHYM) had $2.0B in total assets as of fiscal year 2025, including both current and long-term assets.
What are Chime Financial, Inc.'s capital expenditures?
Chime Financial, Inc. (CHYM) invested $19.9M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.
How much does Chime Financial, Inc. spend on research and development?
Chime Financial, Inc. (CHYM) invested $934.9M in research and development during fiscal year 2025.
What is Chime Financial, Inc.'s current ratio?
Chime Financial, Inc. (CHYM) had a current ratio of 4.53 as of fiscal year 2025, which is generally considered healthy.
What is Chime Financial, Inc.'s debt-to-equity ratio?
Chime Financial, Inc. (CHYM) had a debt-to-equity ratio of 0.40 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.
What is Chime Financial, Inc.'s return on assets (ROA)?
Chime Financial, Inc. (CHYM) had a return on assets of -51.4% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.
What is Chime Financial, Inc.'s Altman Z-Score?
Chime Financial, Inc. (CHYM) has an Altman Z-Score of 10.69, placing it in the Safe Zone (low bankruptcy risk). The Z-Score combines five financial ratios (working capital, retained earnings, EBIT, market capitalization, and revenue relative to total assets) to predict the likelihood of bankruptcy. Scores above 2.99 indicate financial safety while scores below 1.81 suggest financial distress. Learn more in our complete guide to financial health indicators.
What is Chime Financial, Inc.'s Piotroski F-Score?
Chime Financial, Inc. (CHYM) has a Piotroski F-Score of 4 out of 7 computable signals; 2 of the nine could not be computed from available data, so the full-scale strength rating is not shown. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.
Are Chime Financial, Inc.'s earnings high quality?
Chime Financial, Inc. (CHYM) reported a net loss of $1.0B while generating $52.8M in operating cash flow. Operations generated cash despite the loss, but with no positive earnings behind it, the ratio between the two carries no quality signal. This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.
How financially healthy is Chime Financial, Inc.?
Chime Financial, Inc. (CHYM) scores 52 out of 100 on our Financial Health Score, indicating moderate standing within its operating companies peer group. The score is a 0-100 composite of six dimensions (Profitability, Growth, Leverage, Liquidity, Cash Flow, Returns), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.